Privacy Policy

This Privacy Policy explains how Verlux Financial (“we,” “us,” or “our”) collects, uses, and discloses information when you visit our website, submit a request, or otherwise communicate with us. Torres Meridian LLC, operating as Verlux Financial, owns and operates this website and the services described in this Privacy Policy. Verlux Financial is an independent insurance agency assisting consumers with health, life, dental, vision, and other insurance coverage options. This Privacy Policy describes our practices regarding the collection, use, and disclosure of personal information.

This Privacy Policy should be read together with our Terms & Conditions.

Information We Collect

We may collect the following information when you voluntarily provide it to us:

• Your name
• Your phone number
• Your email address
• Your state of residence
• Insurance and coverage request information (such as the type of coverage you are interested in and related details)
• Any other information you choose to voluntarily provide when contacting us or requesting assistance

Information Collected Automatically

When you visit our website, certain information may be collected automatically by our website and technology providers, such as your IP address, browser or device information, pages visited, referring website, and general website usage information. Cookies and similar technologies may also be used to operate the website, understand website usage, and improve our services.

How We Use Your Information

We use the information we collect for purposes that include:

• Responding to your coverage requests and inquiries
• Providing you with insurance information and options
• Scheduling and confirming appointments
• Assisting you with insurance applications and enrollment
• Providing customer service and support
• Servicing and communicating with existing clients

How We Disclose Information

We may disclose your information when reasonably necessary to fulfill your request or provide the services you have asked for. This may include disclosing information to:

• Insurance carriers
• Enrollment and quoting platforms
• Technology and service providers that support our operations
• Lead generation and referral partners
• Other parties where required by law or legal process

We may receive information from, or disclose personal information to, lead generation and referral partners when reasonably necessary to respond to a consumer’s request, connect the consumer with requested insurance services, or otherwise provide the services the consumer has requested.

We do not sell your personal information. Information is shared only as reasonably necessary to fulfill your request, to provide the services you have requested, or as required by law.

Mobile information and SMS opt-in data and consent will not be sold, rented, or shared with third parties, affiliates, or lead generation partners for their own marketing or promotional purposes. SMS consent is specific to Torres Meridian LLC, operating as Verlux Financial, and will not be transferred to another business for its marketing purposes.

SMS consent is obtained through an affirmative opt-in (for example, checking a consent checkbox on our lead or contact forms). Entering a phone number alone does not enroll you in text messaging.

Your Communication Choices

You control how you hear from us. You may opt out of SMS communications at any time by replying STOP to any text message you receive from us, and you may reply HELP for assistance. To opt out of email communications, you may follow the unsubscribe instructions in our emails or contact us directly. You may also contact us at any time to update your preferences or request that we stop contacting you.

Data Security

We take reasonable administrative, technical, and physical measures designed to protect the information you provide against unauthorized access, use, or disclosure. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. Any updates will become effective when posted on this page unless otherwise stated.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, you may contact us at:

Verlux Financial
Email: info@verluxfinancial.com
Website: verluxfinancial.com

Please also review our Terms & Conditions.